System and method for purchase benefits at a point of sale
First Claim
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1. A method for biometrically processing a rebate transaction for a user purchasing an item at a merchant location, the method comprising:
- receiving, by a processor, information relating to the item for purchase at a point of sale, said item having an associated rebate offer;
obtaining biometric data from the user for processing of said rebate offer, wherein the obtained biometric data is compared against biometric data stored at a database remote from said point of sale in a record relating to the user to determine a match without the use of a token; and
upon a match of the obtained biometric data and the stored biometric data, retrieving user identifying information from the user record and transmitting a rebate request to a benefit provider, wherein said rebate request includes the user identifying information and information associated with the rebate offer, wherein funds associated with fulfillment of said rebate request are distributed to said user at said point of sale.
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Abstract
A system and method of providing users with an accessible system and convenient method for conducting purchase benefit transactions. When enrolling in a biometric authorization system, a user may authorize the system to apply for purchase benefits on the user'"'"'s behalf at subsequent transactions.
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Citations
13 Claims
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1. A method for biometrically processing a rebate transaction for a user purchasing an item at a merchant location, the method comprising:
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receiving, by a processor, information relating to the item for purchase at a point of sale, said item having an associated rebate offer; obtaining biometric data from the user for processing of said rebate offer, wherein the obtained biometric data is compared against biometric data stored at a database remote from said point of sale in a record relating to the user to determine a match without the use of a token; and upon a match of the obtained biometric data and the stored biometric data, retrieving user identifying information from the user record and transmitting a rebate request to a benefit provider, wherein said rebate request includes the user identifying information and information associated with the rebate offer, wherein funds associated with fulfillment of said rebate request are distributed to said user at said point of sale. - View Dependent Claims (2, 3, 4, 5)
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6. A method for authorizing a consumer reward via a biometric authorization system, the method comprising:
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receiving, by a processor, information relating to an item for purchase at a point of sale, wherein said item is associated with a consumer reward; obtaining biometric data from a user for processing said consumer reward, wherein said obtained biometric data is compared against biometric data stored in a record relating to the user to determine a match without use of a token; and upon a match of the obtained biometric data and the stored biometric data, retrieving user identifying information from said record and transmitting a consumer reward request to a benefit provider, wherein said consumer reward request includes said user identifying information and information relating to the item. - View Dependent Claims (7, 8, 9, 10, 11, 12, 13)
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Specification